the five largest banks in the country, chase, wells fargo, bank america, citibank, they just settled with the federal government for $25 billion. if you are underwater on your loan, they may be in a position to help you refinance that loan. they are not going to give you the great rates we get today. they are not obligated by the government to give you these great rates, but they may be able to reduce your existing loan. if you have an fannie mae or freddy mac-backed loan, those up to 125% underwater, in other words the value of the home is 125% below your value, your debt, you can under the hart program you can refinance there. there are programs even if you are underwater on these loans. >> i am so glad you brought that up. harp, look it up on-line, even if you don't have perfect credit you may qualify. thanks so much. great to talk to you. >> have a great day. >> and if you want more and the ability to take charge on a number of consumer issues, go to fox news.com and click on america's news headquarters. at the bottom of the main page you will see our show. and then when you clic